When you are trying to check your credit score for free online, you do not want to have to jump through a bunch of hoops to access your information. And you would prefer not give out your credit card information and your Social Security number if at all possible. Today, we'll take a look at Identity Guard and MyFICO and compare their free credit score offerings and see which one offers you a better value.

MyFICO Review

MyFICO is the one company you may have heard of especially if you're a fan of Suze Orman. She is a big advocate of keeping an eye on your FICO score. Since most major lenders will use your FICO score to evaluate your credit worthiness, this is a good idea.

The MyFICO free FICO score offer is just that – a free score offer. You also get a breakdown of your score and what it means to potential lenders. You do need a credit card and you will also be signed up for a 10 day trial of their Score Watch product which is basically credit monitoring. You can contact them within the 10 days and not be bored, else the fee is $ 12.95 a month which is about the industry average.

The only downside to the MyFICO offer is that it only comes with one score from one credit bureau. If you want a more complete picture of your credit worthiness then the Identity Guard may be more for you.

Identity Guard Review

Identity Guard offers all three credit scores with information from Transunion, Equifax, and Experian. This allows you to know where you stand with each credit reporting agency. You may find you have 2 good scores and 1 bad score due to inaccurate information.

Identity Guard will monitor all three credit bureaus for you plus provide you with up to $ 1 million in identity theft insurance which MyFICO does not.

Identity Guard also offers Internet surveillance, lost wallet protection, and online financial tools that will allow you to analyze your credit and get insights into your financial future. This 3 free credit scores offer is more comprehensive than the 1 free credit score offer from MyFICO.

You will also need a credit card to sign up for the free 30 day trial period. This gives you a much longer time to evaluate the service and decision if you want to keep it or not. After the 30 day trial, the monthly fee is $ 14.95.

Now you have a quick comparison of the MyFICO and Identity Guard free score offers and understand the benefits and costs of each. Your next step is to determine which is a better fit for you and order your free credit scores.